BlastPoint's Banking Scorecard

The First National Bank of Absecon

$100M-$1B Specialty: Other NJ FDIC cert 6442

Absecon, NJ

4 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

The First National Bank of Absecon has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 16.4% in tier
+ Net Interest Margin 0.08% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 11.9% in tier
- Flatlined Growth: Bottom 14.7% in tier
- Deposit Outflow: Bottom 40.5% in tier
- ROA 0.50% below tier average
- Efficiency Ratio 12.14% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$194.0M -0.9% YoY -1.6% QoQ	-$192.1M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$124.5M +3.9% YoY -0.4% QoQ	-$131.2M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$174.7M -2.1% YoY -1.6% QoQ	-$153.2M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	0.77% +31.4% YoY -6.4% QoQ	-0.50%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	4.01% +7.5% YoY +2.3% QoQ	+0.08%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	77.43% -1.2% YoY +1.1% QoQ	+12.14%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	0.07% -26.7% YoY -6.4% QoQ	-0.82%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	71.24% +6.1% YoY +1.2% QoQ	-5.40%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	19.43% -4.0% YoY -3.4% QoQ	-2.59%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	0.04% -23.2% YoY -5.3% QoQ	-0.60%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	10.44% +4.1% YoY +1.8% QoQ	-5.39%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.06% -0.0% YoY -88.5% QoQ	-0.22%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#110 of 664 • Top 16.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Capital Thin

risk

#80 of 666 • Bottom 11.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.44%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#76 of 512 • Bottom 14.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.77%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#206 of 506 • Bottom 40.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

553

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#553 of 2664 Top 20.7% in $100M-$1B

594

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#594 of 2654 Top 22.3% in $100M-$1B

Top Weaknesses (5 metrics)

2256

Tier 1 Capital Ratio

capital

Value: 10.44%

Peer Median: 15.83%

#2256 of 2664 Bottom 15.4% in $100M-$1B

2160

Efficiency Ratio

profitability

Value: 77.43%

Peer Median: 65.29%

#2160 of 2664 Bottom 19.0% in $100M-$1B

2064

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2064 of 2664 Bottom 22.6% in $100M-$1B

2023

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.27%

#2023 of 2664 Bottom 24.1% in $100M-$1B

1999

Total Assets

size

Value: $194.02M

Peer Median: $386.08M

#1999 of 2664 Bottom 25.0% in $100M-$1B